{"id":52688,"date":"2025-12-24T05:05:00","date_gmt":"2025-12-24T11:05:00","guid":{"rendered":"https:\/\/www.igssgt.org\/noticias\/?p=52688"},"modified":"2025-12-18T12:53:18","modified_gmt":"2025-12-18T18:53:18","slug":"salud-financiera-y-sus-repercusiones-en-el-estado-de-salud-fisico-y-mental","status":"publish","type":"post","link":"https:\/\/www.igssgt.org\/noticias\/2025\/12\/24\/salud-financiera-y-sus-repercusiones-en-el-estado-de-salud-fisico-y-mental\/","title":{"rendered":"Salud financiera y sus repercusiones en el estado de salud f\u00edsico y mental"},"content":{"rendered":"\n<p class=\"has-drop-cap wp-block-paragraph\">Durante el fin de a\u00f1o los gastos se incrementan; la compra de regalos, pago de deudas y previsi\u00f3n de los pagos de colegiaturas son los principales egresos financieros para la mayor\u00eda de guatemaltecos.<\/p>\n\n\n\n<p>El licenciado, Abiel Estuardo Hern\u00e1ndez, jefe del Departamento de Inversiones de la Subgerencia Financiera del IGSS, aclara que la salud financiera es la capacidad para administrar adecuadamente ingresos, gastos y ahorro, de manera que se puedan cubrir las necesidades actuales, enfrentar emergencias y planificar el futuro econ\u00f3mico con estabilidad y tranquilidad.<\/p>\n<figure id=\"attachment_52691\" aria-describedby=\"caption-attachment-52691\" style=\"width: 719px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-52691\" src=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-300x200.jpeg\" alt=\"\" width=\"719\" height=\"479\" srcset=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-300x200.jpeg 300w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-1024x682.jpeg 1024w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-768x512.jpeg 768w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-1536x1023.jpeg 1536w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-630x420.jpeg 630w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-696x464.jpeg 696w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-1068x712.jpeg 1068w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-534x356.jpeg 534w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM.jpeg 1600w\" sizes=\"auto, (max-width: 719px) 100vw, 719px\" \/><figcaption id=\"caption-attachment-52691\" class=\"wp-caption-text\">Gastar menos de lo que se gana es la clave para mantener una adecuada econom\u00eda en los hogares.<\/figcaption><\/figure>\n<p>El estr\u00e9s financiero tiene un impacto significativo en la salud f\u00edsica y mental, la preocupaci\u00f3n constante por deudas, falta de ingresos o mala administraci\u00f3n del dinero puede generar ansiedad, insomnio, depresi\u00f3n y enfermedades cr\u00f3nicas, enfatiz\u00f3 Hern\u00e1ndez.<\/p>\n<p>La administraci\u00f3n es clave: la regla 50, 30, 20 puede ser una herramienta oportuna para las finanzas personales, 50 % destinado a gastos b\u00e1sicos, 30 % a gastos variables, personales y deudas y por \u00faltimo el 20 % de nuestros ingresos debe destinarse al ahorro; no obstante los porcentajes pueden ajustarse a la realidad de cada persona.<\/p>\n<p>Durante las fiestas de fin de a\u00f1o es importante mantener un control estricto del presupuesto, evitar gastos innecesarios y no excederse en el uso de tarjetas de cr\u00e9dito (gastar lo que s\u00ed se puede pagar), planificar las compras, priorizar necesidades y evitar decisiones impulsivas ayuda a iniciar el nuevo a\u00f1o con estabilidad financiera.<\/p>\n<figure id=\"attachment_52694\" aria-describedby=\"caption-attachment-52694\" style=\"width: 701px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-52694\" src=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-300x225.jpg\" alt=\"\" width=\"701\" height=\"526\" srcset=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-300x225.jpg 300w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-80x60.jpg 80w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-265x198.jpg 265w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-534x401.jpg 534w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254.jpg 560w\" sizes=\"auto, (max-width: 701px) 100vw, 701px\" \/><figcaption id=\"caption-attachment-52694\" class=\"wp-caption-text\">Los expertos recomiendan no hacer listados de compras para no caer en el impulso de adquirir productos innecesarios.<\/figcaption><\/figure>\n<p>\u201cEl bienestar financiero brinda tranquilidad y seguridad, para lograrlo, es fundamental administrar correctamente el dinero, vivir de acuerdo con los ingresos, llevar un presupuesto, ahorrar de forma constante, contar con un fondo de emergencia y planificar el ahorro para la vejez; adoptar estos h\u00e1bitos es dar pasos firmes hacia un futuro financiero m\u00e1s estable\u201d, concluy\u00f3 el profesional.<\/p>\n\r\n                <style type=\"text\/css\">\r\n                    \r\n                    #tdi_1  .td-doubleSlider-2 .td-item1 {\r\n                        background: url(\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20255-80x60.jpg) 0 0 no-repeat;\r\n                    }\r\n                    #tdi_1  .td-doubleSlider-2 .td-item2 {\r\n                        background: url(\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-80x60.jpeg) 0 0 no-repeat;\r\n                    }\r\n                    #tdi_1  .td-doubleSlider-2 .td-item3 {\r\n                        background: 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href=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252.jpeg\" title=\"IGSS salud financiera 20252\"  data-caption=\"\"  data-description=\"\">\r\n                                <img decoding=\"async\" src=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-630x420.jpeg\" srcset=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-630x420.jpeg 630w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-300x200.jpeg 300w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-1024x682.jpeg 1024w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-768x512.jpeg 768w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-1536x1023.jpeg 1536w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-696x464.jpeg 696w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-1068x712.jpeg 1068w, 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                    <\/div>\r\n\r\n                    <\/div>\r\n\r\n                <\/div>\r\n                \n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Durante el fin de a\u00f1o los gastos se incrementan; la compra de regalos, pago de deudas y previsi\u00f3n de los pagos de colegiaturas son los principales egresos financieros para la mayor\u00eda de guatemaltecos.<\/p>\n","protected":false},"author":3269,"featured_media":52689,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[2567,2571,2569,2570,490,2568],"coauthors":[1970],"class_list":["post-52688","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actualidad","tag-departamento-de-inversiones-de-la-subgerencia-financiera","tag-estabilidad-financiera","tag-estres-financiero","tag-gastos-de-fin-de-ano","tag-igss","tag-salud-financiera"],"_links":{"self":[{"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/posts\/52688","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/users\/3269"}],"replies":[{"embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/comments?post=52688"}],"version-history":[{"count":2,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/posts\/52688\/revisions"}],"predecessor-version":[{"id":52699,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/posts\/52688\/revisions\/52699"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/media\/52689"}],"wp:attachment":[{"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/media?parent=52688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/categories?post=52688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/tags?post=52688"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/coauthors?post=52688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}